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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $24,274 | $78,423-69.0% | $95,964-74.7% | $79,856-69.6% |
| Participation rate | 68.9% | 73.5%-4.6pp | 77.1%-8.2pp | 69.6%-0.8pp |
| Annual return | 17.93% | 19.37%-1.4pp | 91.64%-73.7pp | 31.71%-13.8pp |
| Employer contribution / active EE | $1,087 | $1,945-44.1% | $2,541-57.2% | $2,471-56.0% |
| Participant deferral / active EE | $5,577 | $3,440+62.1% | $4,167+33.8% | $3,741+49.1% |
| Admin fee / account holder | $3,548 | $5,622-36.9% | $6,797-47.8% | $5,306-33.1% |